Growth of the Trust and current ACEC member participation.
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- Ezra Rogers
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2 Growth of the Trust and current ACEC member participation. ACEC RT Participants and Average Account Balance NUMBER OF PARTICIPANTS AVERAGE ACCOUNT BALANCE 14,500 14,667 $100,000 14,000 13,766 13,997 13,998 14,191 14,497 $90,000 $80,000 13,500 13,461 13,505 $70,000 $60,000 13,204 13,000 $50,000 12,759 12,758 12,609 $40,000 12,500 $30,000 12,000 $20,000 $10,000 11,500 MAR 2012 JUN 2012 SEP 2012 DEC 2012 MAR 2013 JUN 2013 SEP 2013 DEC 2013 MAR 2014 JUN 2014 SEP 2014 DEC 2014 $ 2
3 Total assets in the Trust. $1,400,000,000 $1,200,000,000 $1,251,740,830 $1,267,332,748 $1,310,765,390 $ 1,313,868,198 $ 1,370,080,632 $1,000,000,000 $1,160,690,870 $1,079,286,077 $1,080,826,959 $1,009,613,207 $955,572,067 $907,242,009 $906,403,224 $800,000,000 $600,000,000 $400,000,000 $200,000,000 $ MAR 2012 JUN 2012 SEP 2012 DEC 2012 MAR 2013 JUN 2013 SEP 2013 DEC 2013 MAR 2014 JUN 2014 SEP 2014 DEC
4 Our investment line-up and our successes in fund selection. On average, 94% of the investments have performed at or above the market indices and/or peer groups. * TOTAL INVESTMENTS OUTPERFORMING TOTAL NUMBER OF INVESTMENTS Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q *Measured against market indices and/or peer groups ROLLING 5-YEAR QUARTERLY PERIODS *Measured against market indices and/or peer groups. This information represents actively managed investments only. 4
5 Our fee structure and efforts to cut costs and increase returns to our participants. 76% of members in ACEC RT are small business, the advantage being affordable prices for 401(k). ACEC RT Fees Analysis ACEC Retirement Trust 1 Total Bundled Expense 0.62% Industry Average Plan 25 participants & $1,250,000 in Assets 50 participants & $2,500,000 in Assets 2 2 Total Bundled Expense 1.38% 1.35% 100 participants & $5,000,000 in Assets % 200 participants & $10,000,000 in Assets % 1 Average Investment Expense represents dollar weighted average based on March 31, 2014 assets and Trust expenses from 3/1/2013-3/31/2014 (Updated Annually) 2 401k Averages Book, 14th Edition, 401k Source, Information provided by record keeper. For informational purposes only. Not intended as a substitute for statements produced by the plan custodian. Information has been obtained from sources deemed reliable, but accuracy and completeness not guaranteed. 5
6 Continuous program evolution. The Trustees work diligently to provide an outstanding program and value for Participants and Plan Sponsors. This includes continued review of the investment lineup to assure appropriate choices at pricing that can only be obtained with the combined asset base. Some of the upcoming changes include: Current Wraps Guaranteed Interest Fund (GIF) Vanguard Institutional Index Replacements CURRENT 25 bps 25 bps bps 20 bps FUND Great-West Lifetime Series (35 bps) Dreyfus Mid-Cap (50 bps) Columbia Small-Cap (50 bps) REPLACEMENT Great-West Lifetime CIT s (0 RS, bps wrap) Vanguard Mid-Cap Index (0 RS, 20 bps wrap) Vanguard Small-Cap Index (0 RS, 20 bps wrap) Deletion FUND Blackrock Global Allocation (88 bps) REPLACEMENT American Funds Balanced (65 bps) It is expected that once all changes have taken place the current average expense ratio of.74% will be reduced to.63% (effective ). These are the first steps in our goal to move to zero revenue funds and provide a consistent wrap so that costs to participants are balanced across our complete investment array. 6
7 Our consultant team and 20 efforts to review our consultants. CAPTRUST Investment Consultant Conducts an independent review of the investment options offered by the Trust and prepares quarterly investment reports. Empower Retirement Recordkeeping Consultant Provides a dedicated service team to deliver individualized attention to your plan(s), as well as all recordkeeping services. K&L Gates Legal Counsel Consults with the Trustees to provide legal oversight to thetrust with respect to ERISA. Pensionmark Education Consultant Nationally recognized advisory firm delivering a Financial Wellness program and retirement education to plan participants. 7
8 Enhancements to our participant education benefit. Pensionmark Education Consultant ACEC Retirement Trust has contracted with the financial professionals at Pensionmark Retirement Group. Pensionmark provides monthly webinars on relevant topics for plan participants and offer tools that assist with budgeting and financial planning along with a call center for questions. The nationally recognized advisory firm also provides the ACEC RT Financial Wellness Program which offers a comprehensive, multi-point approach to financial wellness with a variety of tools and resources guiding members towards their retirement goals. 8
9 Enhancements to our participant education benefit. Pensionmark Education Consultant The benefits of the ACEC RT Financial Wellness Program: Personal Financial Portal (PFP). A simple and secure online location where you can monitor key financial components of your life, track spending habits, create budgets and access a series of workshops designed to help you understand if you are on-track to meet your financial goals. Employee Gap/Needs Analysis. Provides personalized tools to help you manage your progress toward your financial goals and ideas on how you can adjust your financial strategy. Toll-Free Financial Wellness Help Center. Access to fully-licensed and bilingual specialists that provide education assistance. Available 7am to 7pm in all time zones. Employee Retirement Connect. A comprehensive suite of deliverables including newsletters, webinars, and more to help you stay updated on retirement and market trends. Online Education Center. Articles, newsletters, webinar replays, videos, and more. Social Media. Access up-to-date retirement plan news and articles, event announcements and a wealth of other informative content through Linkedin, Twitter, YouTube and Facebook. For participant help, call our Financial Wellness Center at (844) ACECRT-8 ( ) 9
10 Meet your regional ACEC RT Trustees. Region 6 Region 4 Region 2 Mark Eberly Ed Studniski Keith Swaffer Trustee Trustee ACEC RT Chairman EMK Consultants, Inc. Centennial, CO mark.eberly@acecrt.com Gausman & Moore St. Paul, MN ed.studniski@acecrt.com NTH Consultants, Ltd. Detroit, MI keith.swaffer@acecrt.com Region 1 Terry Neimeyer Trustee KCI Technologies, Inc. Sparks, MD 212 terry.neimeyer@acecrt.com Region 7 Lydia Zabrycki Trustee Quad Knopf Visalia, CA lydia.zabrycki@acecrt.com Region 3 Bruce Altstaetter Vice Chairman S&ME, Inc. Raleigh, NC bruce.altstaetter@acecrt.com Region 5 Gary Raba Trustee Raba Kistner, Inc. San Antonio, TX gary.raba@acecrt.com Bruce McFarland Executive Director ACEC Retirement Trust Roswell, GA bruce.mcfarland@acecrt.com 10
11 Why should you belong to the ACEC Retirement Trust? Expanded fiduciary protection Advantages of a $1.5 billion plan Lower investment fees Continuous Plan Sponsor & Participant education Quality investments Continuing program review & development Included annual plan testing & 5,500 preparation Operated by engineers for engineers 10 11
12 Need more information on our program? Contact the Trust s Executive Director. Bruce McFarland ACEC RT Executive Director PHONE: (248) Bruce.McFarland@ACECRT.com 12
13 20 ACEC RT all rights reserved
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